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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,566 | $57,590+69.4% | $86,233+13.1% | $82,448+18.3% |
| Participation rate | 42.9% | 57.9%-15.0pp | 69.0%-26.2pp | 68.1%-25.2pp |
| Annual return | 12.41% | 22.41%-10.0pp | 61.39%-49.0pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,259 | $1,655-24.0% | $2,504-49.7% | $2,551-50.7% |
| Participant deferral / active EE | $2,282 | $3,080-25.9% | $4,559-49.9% | $4,139-44.9% |
| Admin fee / account holder | $5,515 | $4,730+16.6% | $8,342-33.9% | $7,234-23.8% |